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Citizens Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 73 | 2,406 |
| Assets and Liabilities | ||
| Total Assets: | $148,938,000 | 3,044 |
| Cash and due from depository institutions | $5,815,000 | 2,406 |
| Interest-bearing balances | $1,787,000 | 2,263 |
| Securities | $27,506,000 | 3,882 |
| Federal funds sold & reverse repurchase agreements | $22,450,000 | 716 |
| Net loans & leases | $78,482,000 | 3,453 |
| Loan loss allowance | $2,924,000 | 1,254 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,478,000 | 4,825 |
| Other real estate owned | $219,000 | 2,406 |
| Goodwill and other intangibles | $11,903,000 | 335 |
| All other assets | $1,085,000 | 5,614 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $148,938,000 | 3,044 |
| Total liabilities | $124,371,000 | 3,255 |
| Total deposits | $117,632,000 | 3,212 |
| Interest-bearing deposits | $102,187,000 | 3,149 |
| Deposits held in domestic offices | $117,632,000 | 3,208 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,139,000 | 1,389 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,600,000 | 2,398 |
| Total equity capital | $24,567,000 | 1,815 |
| Total bank equity capital | $24,567,000 | 1,815 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $565,000 | 4,480 |
| Surplus | $15,969,000 | 1,042 |
| Undivided profits | $8,033,000 | 3,106 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,269,000 | 824 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $63,000 | 1,086 |
| Income earned, not collected on loans | $417,000 | 5,291 |
| Earning assets | $130,225,000 | 3,203 |
| Long-term assets (5+ years) | $6,035,000 | 5,839 |
| Average Assets, year-to-date | $141,495,400 | 3,026 |
| Average Assets, quarterly | $142,141,500 | 3,120 |
| Volatile liabilities | $10,226,000 | 4,929 |
| Insider loans | $874,000 | 3,884 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $159,000 | 1,518 |
| Unused loan commitments | $8,868,000 | 3,914 |
| Tier 1 (core) risk-based capital | $12,493,000 | 3,405 |
| Tier 2 risk-based capital | $1,028,380 | 2,947 |
| Total risk weighted assets | $80,374,480 | 3,425 |
| Total unused commitments | $8,868,000 | 3,921 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 77 | 2,306 |
| Assets and Liabilities | ||
| Total Assets: | $147,005,000 | 3,020 |
| Cash and due from depository institutions | $6,951,000 | 2,306 |
| Interest-bearing balances | $1,414,000 | 2,128 |
| Securities | $28,199,000 | 3,819 |
| Federal funds sold & reverse repurchase agreements | $7,350,000 | 1,896 |
| Net loans & leases | $98,169,000 | 2,805 |
| Loan loss allowance | $3,548,000 | 1,083 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,753,000 | 2,091 |
| Other real estate owned | $545,000 | 2,306 |
| Goodwill and other intangibles | $779,000 | 1,494 |
| All other assets | $1,259,000 | 5,135 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $147,005,000 | 3,020 |
| Total liabilities | $134,809,000 | 2,978 |
| Total deposits | $126,123,000 | 2,952 |
| Interest-bearing deposits | $109,901,000 | 2,928 |
| Deposits held in domestic offices | $126,123,000 | 2,945 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,345,000 | 1,332 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $1,200,000 | 3,315 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,141,000 | 3,198 |
| Total equity capital | $12,196,000 | 3,615 |
| Total bank equity capital | $12,196,000 | 3,615 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $565,000 | 4,640 |
| Surplus | $4,750,000 | 2,914 |
| Undivided profits | $6,881,000 | 3,507 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,296,000 | 562 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $203,000 | 632 |
| Income earned, not collected on loans | $551,000 | 4,299 |
| Earning assets | $135,132,000 | 3,028 |
| Long-term assets (5+ years) | $7,878,000 | 4,914 |
| Average Assets, year-to-date | $151,417,800 | 2,813 |
| Average Assets, quarterly | $151,452,000 | 2,906 |
| Volatile liabilities | $11,031,000 | 4,668 |
| Insider loans | $926,000 | 3,763 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $9,261,000 | 3,637 |
| Tier 1 (core) risk-based capital | $11,208,000 | 3,762 |
| Tier 2 risk-based capital | $1,160,190 | 2,551 |
| Total risk weighted assets | $90,427,590 | 3,062 |
| Total unused commitments | $9,261,000 | 3,639 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 83 | 2,260 |
| Assets and Liabilities | ||
| Total Assets: | $153,245,000 | 2,996 |
| Cash and due from depository institutions | $5,890,000 | 2,260 |
| Interest-bearing balances | $830,000 | 2,567 |
| Securities | $32,118,000 | 3,712 |
| Federal funds sold & reverse repurchase agreements | $7,500,000 | 1,727 |
| Net loans & leases | $99,732,000 | 2,802 |
| Loan loss allowance | $2,821,000 | 1,402 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $4,112,000 | 1,924 |
| Other real estate owned | $913,000 | 2,260 |
| Goodwill and other intangibles | $890,000 | 1,348 |
| All other assets | $2,090,000 | 3,475 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $153,245,000 | 2,996 |
| Total liabilities | $139,629,000 | 2,958 |
| Total deposits | $131,585,000 | 2,911 |
| Interest-bearing deposits | $117,215,000 | 2,812 |
| Deposits held in domestic offices | $131,585,000 | 2,903 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,887,000 | 1,766 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $3,021,000 | 2,276 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,136,000 | 3,201 |
| Total equity capital | $13,616,000 | 3,262 |
| Total bank equity capital | $13,616,000 | 3,262 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $565,000 | 4,933 |
| Surplus | $4,750,000 | 2,986 |
| Undivided profits | $8,301,000 | 2,961 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,206,000 | 678 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $143,000 | 780 |
| Income earned, not collected on loans | $593,000 | 3,898 |
| Earning assets | $140,180,000 | 3,001 |
| Long-term assets (5+ years) | $5,639,000 | 5,604 |
| Average Assets, year-to-date | $160,724,800 | 2,742 |
| Average Assets, quarterly | $154,749,500 | 2,927 |
| Volatile liabilities | $11,583,000 | 4,396 |
| Insider loans | $793,000 | 4,239 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $51,000 | 1,492 |
| Unused loan commitments | $9,640,000 | 3,473 |
| Tier 1 (core) risk-based capital | $12,577,000 | 3,411 |
| Tier 2 risk-based capital | $1,174,750 | 2,571 |
| Total risk weighted assets | $92,333,350 | 2,995 |
| Total unused commitments | $9,640,000 | 3,486 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 94 | 2,046 |
| Assets and Liabilities | ||
| Total Assets: | $169,324,000 | 2,719 |
| Cash and due from depository institutions | $8,334,000 | 2,046 |
| Interest-bearing balances | $1,242,000 | 2,295 |
| Securities | $30,341,000 | 4,029 |
| Federal funds sold & reverse repurchase agreements | $13,420,000 | 1,061 |
| Net loans & leases | $108,308,000 | 2,520 |
| Loan loss allowance | $3,753,000 | 1,143 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $4,475,000 | 1,720 |
| Other real estate owned | $1,295,000 | 2,046 |
| Goodwill and other intangibles | $990,000 | 1,184 |
| All other assets | $2,161,000 | 3,390 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $169,324,000 | 2,719 |
| Total liabilities | $156,032,000 | 2,671 |
| Total deposits | $139,083,000 | 2,802 |
| Interest-bearing deposits | $123,522,000 | 2,717 |
| Deposits held in domestic offices | $139,083,000 | 2,792 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,751,000 | 1,438 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $9,870,000 | 1,209 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,328,000 | 2,899 |
| Total equity capital | $13,292,000 | 3,305 |
| Total bank equity capital | $13,292,000 | 3,305 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $565,000 | 5,197 |
| Surplus | $4,750,000 | 2,992 |
| Undivided profits | $7,977,000 | 3,132 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,532,000 | 566 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $698,000 | 3,385 |
| Earning assets | $153,311,000 | 2,765 |
| Long-term assets (5+ years) | $18,644,000 | 2,631 |
| Average Assets, year-to-date | $170,698,600 | 2,599 |
| Average Assets, quarterly | $172,241,000 | 2,664 |
| Volatile liabilities | $13,396,000 | 3,666 |
| Insider loans | $704,000 | 4,677 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $47,000 | 1,541 |
| Unused loan commitments | $10,219,000 | 3,231 |
| Tier 1 (core) risk-based capital | $11,884,000 | 3,565 |
| Tier 2 risk-based capital | $1,328,300 | 2,248 |
| Total risk weighted assets | $103,839,300 | 2,632 |
| Total unused commitments | $10,219,000 | 3,246 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 83 | 2,406 |
| Assets and Liabilities | ||
| Total Assets: | $168,297,000 | 2,716 |
| Cash and due from depository institutions | $8,303,000 | 2,406 |
| Interest-bearing balances | $1,245,000 | 2,137 |
| Securities | $27,346,000 | 4,635 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $122,537,000 | 2,233 |
| Loan loss allowance | $2,744,000 | 1,501 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,969,000 | 1,882 |
| Other real estate owned | $1,429,000 | 2,406 |
| Goodwill and other intangibles | $2,372,000 | 717 |
| All other assets | $2,341,000 | 3,335 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $168,297,000 | 2,716 |
| Total liabilities | $155,523,000 | 2,673 |
| Total deposits | $134,378,000 | 2,831 |
| Interest-bearing deposits | $119,603,000 | 2,761 |
| Deposits held in domestic offices | $134,378,000 | 2,821 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,226,000 | 1,011 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $4,720,000 | 1,804 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,199,000 | 2,667 |
| Total equity capital | $12,774,000 | 3,192 |
| Total bank equity capital | $12,774,000 | 3,192 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $565,000 | 5,471 |
| Surplus | $4,750,000 | 2,891 |
| Undivided profits | $7,459,000 | 3,069 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,735,000 | 705 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $47,000 | 1,103 |
| Income earned, not collected on loans | $702,000 | 2,912 |
| Earning assets | $151,128,000 | 2,756 |
| Long-term assets (5+ years) | $25,775,000 | 2,076 |
| Average Assets, year-to-date | $145,975,200 | 3,014 |
| Average Assets, quarterly | $166,254,500 | 2,723 |
| Volatile liabilities | $24,095,000 | 2,172 |
| Insider loans | $343,000 | 6,789 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $9,405,000 | 3,264 |
| Tier 1 (core) risk-based capital | $10,817,000 | 3,810 |
| Tier 2 risk-based capital | $1,474,500 | 2,060 |
| Total risk weighted assets | $116,690,800 | 2,293 |
| Total unused commitments | $9,405,000 | 3,275 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 70 | 2,991 |
| Assets and Liabilities | ||
| Total Assets: | $120,262,000 | 3,760 |
| Cash and due from depository institutions | $5,666,000 | 2,991 |
| Interest-bearing balances | $1,777,000 | 2,579 |
| Securities | $26,444,000 | 4,986 |
| Federal funds sold & reverse repurchase agreements | $980,000 | 7,882 |
| Net loans & leases | $82,372,000 | 3,087 |
| Loan loss allowance | $877,000 | 4,153 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,029,000 | 3,581 |
| Other real estate owned | $1,535,000 | 2,991 |
| Goodwill and other intangibles | $1,000 | 3,065 |
| All other assets | $1,235,000 | 5,207 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,262,000 | 3,760 |
| Total liabilities | $106,651,000 | 3,836 |
| Total deposits | $101,245,000 | 3,850 |
| Interest-bearing deposits | $89,940,000 | 3,744 |
| Deposits held in domestic offices | $101,245,000 | 3,843 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,311,000 | 1,607 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $164,000 | 4,139 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $931,000 | 3,309 |
| Total equity capital | $13,611,000 | 2,968 |
| Total bank equity capital | $13,611,000 | 2,968 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $565,000 | 5,716 |
| Surplus | $4,750,000 | 2,825 |
| Undivided profits | $8,296,000 | 2,848 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,148,000 | 2,857 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $473,000 | 3,944 |
| Earning assets | $111,573,000 | 3,722 |
| Long-term assets (5+ years) | $13,785,000 | 3,506 |
| Average Assets, year-to-date | $121,038,200 | 3,649 |
| Average Assets, quarterly | $121,373,000 | 3,696 |
| Volatile liabilities | $8,495,000 | 4,631 |
| Insider loans | $230,000 | 7,963 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $13,218,000 | 2,533 |
| Tier 1 (core) risk-based capital | $13,610,000 | 2,910 |
| Tier 2 risk-based capital | $877,000 | 3,252 |
| Total risk weighted assets | $82,296,800 | 3,129 |
| Total unused commitments | $13,218,000 | 2,554 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 68 | 3,158 |
| Assets and Liabilities | ||
| Total Assets: | $120,818,000 | 3,816 |
| Cash and due from depository institutions | $6,785,000 | 3,158 |
| Interest-bearing balances | $1,674,000 | 2,998 |
| Securities | $36,627,000 | 3,733 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $72,842,000 | 3,529 |
| Loan loss allowance | $658,000 | 5,262 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,467,000 | 4,744 |
| Other real estate owned | $1,879,000 | 3,158 |
| Goodwill and other intangibles | $1,000 | 3,076 |
| All other assets | $1,217,000 | 5,420 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,818,000 | 3,816 |
| Total liabilities | $108,125,000 | 3,897 |
| Total deposits | $105,321,000 | 3,815 |
| Interest-bearing deposits | $90,900,000 | 3,869 |
| Deposits held in domestic offices | $105,321,000 | 3,807 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,811,000 | 2,135 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $204,000 | 3,863 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $789,000 | 3,959 |
| Total equity capital | $12,693,000 | 3,030 |
| Total bank equity capital | $12,693,000 | 3,030 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $565,000 | 6,014 |
| Surplus | $4,750,000 | 2,713 |
| Undivided profits | $7,378,000 | 2,980 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,246,000 | 3,137 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $423,000 | 4,797 |
| Earning assets | $111,143,000 | 3,796 |
| Long-term assets (5+ years) | $20,564,000 | 2,552 |
| Average Assets, year-to-date | $117,591,000 | 3,844 |
| Average Assets, quarterly | $120,281,000 | 3,799 |
| Volatile liabilities | $8,054,000 | 4,798 |
| Insider loans | $148,000 | 4,698 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $6,908,000 | 3,751 |
| Tier 1 (core) risk-based capital | $12,692,000 | 2,981 |
| Tier 2 risk-based capital | $658,000 | 4,177 |
| Total risk weighted assets | $80,093,300 | 3,262 |
| Total unused commitments | $6,908,000 | 3,771 |
| Derivatives | $0 | 651 |